商业信用风险管理绩效影响因素的实证分析  

An Empirical Study on Influencing Factors of Management Performance of Business Credit Risk in China

作　　者：戴彬[1] 马潜为 

机构地区：[1]西华师范大学商学院,四川南充637009 [2]中国石油集团测井有限公司人事处,西安710077

出　　处：《四川理工学院学报（社会科学版）》2012年第5期62-65,共4页Journal of Sichuan University of Science & Engineering(Social Sciences Edition)

基　　金：四川省教育厅青年基金项目(10SB024)

摘　　要：近年来,Jianmin Jia等学者对"我国信用风险管理现状"及其相关问题进行研究,取得一定的研究成果,但相应研究中存在着"简单使用线性回归,未能消除变量间的相互影响"等局限。基于对已有相关研究成果的评析,并运用因子分析和Pearson相关分析方法,对我国商业信用风险管理绩效的影响因素进行实证研究。研究表明:商业信用风险管理绩效的关键影响因素为"信用管理职能设置"、"客户资信评估"和"信用政策制定",我国企业应从"完善信用风险管理职能"、"改善信息不对称状况"和"提高信用政策制定水平"三方面提高风险管理绩效。In recent years, some scholars have studied the Credit risk and achieved some results. However, it is found some limitations in the result. This paper has surveyed the current situation of Business Credit Risk and its management and conducted an empirical study on influencing factors of management performance of business credit risk and its current situation by using the method of Factor Analysis and Pearson Correlation Analysis. Research shows the key influencing factors are “setting credit risk management functions”, “assessing credit of client”and “drawing up credit policy”, enter-prises should take efforts to improve management performance concerning the above three aspects.

关 键 词：商业信用风险 管理绩效 因子分析 Pearson相关分析 

分 类 号：F27[经济管理—企业管理]